Not necessarily. If your policy includes uninsured motorist property damage coverage, this is specifically designed to address situations where the at-fault driver can’t be identified or located. Arrow Insurance Specialists regularly walks Glen Carbon drivers through this coverage, since a lot of people don’t realize they have it until they actually need it.<\/p>\n
Any information helps, but a hit-and-run claim doesn’t require the other driver to be caught for your own coverage to respond. Collision coverage generally applies regardless of whether the at-fault party is identified, meaning your own policy can step in to cover repairs even if the other driver is never found.<\/p>\n
Yes, and this matters more than people expect. Most insurers require a police report to process a hit-and-run claim, partly to establish that the incident actually occurred as described and partly because some coverage types specifically require it as a condition of payment.<\/p>\n
Depending on your specific coverage, one of two things typically happens after a hit-and-run in Illinois:<\/p>\n
Many drivers assume liability coverage alone is enough, without realizing it only protects other people when you’re at fault, not you when someone else causes damage and disappears. This is exactly the kind of gap that becomes obvious only after an incident happens.<\/p>\n
If you’re not sure whether your policy includes uninsured motorist coverage, it’s worth checking before you need it, not after. Arrow Insurance Specialists can walk Glen Carbon drivers through exactly what their policy includes. Reach out through Arrow Insurance Specialists, Inc<\/a> to review your coverage.<\/p>\n","protected":false},"excerpt":{"rendered":" Three Questions Every Hit-and-Run Victim Asks 1. “The other driver just left. Am I stuck paying for this myself?” Not necessarily. If your policy includes uninsured motorist property damage coverage, this is specifically designed to address situations where the at-fault driver can’t be identified or located. Arrow Insurance Specialists regularly walks Glen Carbon drivers through […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[5,8,6,18],"class_list":["post-61","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-arrow-insurance-specialists","tag-auto-insurance","tag-glen-carbon","tag-hit-and-run"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t